Citizens Finl Group Inc Financials

CFG

Source SEC Filings (10-K/10-Q) Updated Feb 12, 2026 Currency USD FYE February

This page shows Citizens Finl Group Inc (CFG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 14 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Neutral

6/9

Citizens Finl Group Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.21x

For every $1 of reported earnings, Citizens Finl Group Inc generates $1.21 in operating cash flow ($2K OCF vs $2K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$6K

YoY-100.0%

5Y CAGR-93.8%

10Y CAGR-74.2%

Citizens Finl Group Inc generated $6K in revenue in fiscal year 2025. This represents a decrease of 100.0% from the prior year.

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$2K

YoY-100.0%

5Y CAGR-93.0%

10Y CAGR-72.8%

Citizens Finl Group Inc reported $2K in net income in fiscal year 2025. This represents a decrease of 100.0% from the prior year.

EPS (Diluted)

$3.86

YoY+27.4%

5Y CAGR+11.7%

10Y CAGR+9.6%

Citizens Finl Group Inc earned $3.86 per diluted share (EPS) in fiscal year 2025. This represents an increase of 27.4% from the prior year.

Cash & Debt

$12.7B

YoY+20.1%

5Y CAGR-0.0%

10Y CAGR+15.2%

Citizens Finl Group Inc held $12.7B in cash against $11K in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.72

YoY+2.4%

5Y CAGR+2.0%

10Y CAGR+15.7%

Citizens Finl Group Inc paid $1.72 per share in dividends in fiscal year 2025. This represents an increase of 2.4% from the prior year.

Shares Outstanding

425M

YoY-2.8%

5Y CAGR-0.0%

10Y CAGR-2.1%

Citizens Finl Group Inc had 425M shares outstanding in fiscal year 2025. This represents a decrease of 2.8% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

29.4%

YoY+10.1pp

5Y CAGR+14.1pp

10Y CAGR+12.0pp

Citizens Finl Group Inc's net profit margin was 29.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 10.1 percentage points from the prior year.

Return on Equity

7.0%

YoY+0.7pp

5Y CAGR+2.3pp

10Y CAGR+2.7pp

Citizens Finl Group Inc's ROE was 7.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.7 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$600

YoY-100.0%

5Y CAGR-92.6%

10Y CAGR-74.4%

Citizens Finl Group Inc spent $600 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

N/A

CFG Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$6K-100.0%	$7.8B-5.0%	$8.2B+2.5%	$8.0B+20.7%	$6.6B-3.7%	$6.9B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$4K-100.0%	$4.6B+14.9%	$4.0B+278.1%	$1.0B+209.1%	$339.0M-56.0%	$771.0M
Income Tax	$497-100.0%	$379.0M-10.2%	$422.0M-27.5%	$582.0M-11.6%	$658.0M+173.0%	$241.0M
Net Income	$2K-100.0%	$1.5B-6.2%	$1.6B-22.4%	$2.1B-10.6%	$2.3B+119.4%	$1.1B
EPS (Diluted)	$3.86+27.4%	$3.03-3.2%	$3.13-23.7%	$4.10-20.5%	$5.16+132.4%	$2.22

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$2.2B+1.8%	$2.1B+4.0%	$2.0B+5.3%	$1.9B-2.6%	$2.0B+4.5%	$1.9B-3.2%	$2.0B+0.2%	$2.0B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$909.0M-6.3%	$970.0M0.0%	$970.0M+0.9%	$961.0M-8.5%	$1.1B-10.3%	$1.2B+0.4%	$1.2B-0.3%	$1.2B
Income Tax	$149.0M+10.4%	$135.0M+14.4%	$118.0M+24.2%	$95.0M-11.2%	$107.0M+21.6%	$88.0M0.0%	$88.0M-8.3%	$96.0M
Net Income	$528.0M+6.9%	$494.0M+13.3%	$436.0M+16.9%	$373.0M-7.0%	$401.0M+5.0%	$382.0M-2.6%	$392.0M+17.4%	$334.0M
EPS (Diluted)	$1.12+6.7%	$1.05+14.1%	$0.92+19.5%	$0.77-7.2%	$0.83+7.8%	$0.77-1.3%	$0.78+20.0%	$0.65

CFG Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$226K-100.0%	$217.5B-2.0%	$222.0B-2.1%	$226.7B+20.3%	$188.4B+2.8%	$183.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$12.7B+20.1%	$10.6B-8.8%	$11.6B+10.2%	$10.5B+15.2%	$9.2B-28.1%	$12.7B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$8K-100.0%	$8.2B0.0%	$8.2B+0.2%	$8.2B+14.9%	$7.1B+0.9%	$7.0B
Total Liabilities	$200K-100.0%	$193.3B-2.2%	$197.6B-2.7%	$203.0B+23.1%	$165.0B+2.7%	$160.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$11K-100.0%	$12.4B-7.9%	$13.5B-15.2%	$15.9B+129.2%	$6.9B-16.9%	$8.3B
Total Equity	$26K-100.0%	$24.3B-0.4%	$24.3B+2.8%	$23.7B+1.2%	$23.4B+3.3%	$22.7B
Retained Earnings	$11K-100.0%	$10.4B+6.1%	$9.8B+7.2%	$9.2B+14.8%	$8.0B+23.8%	$6.4B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$226.4B+1.6%	$222.7B+2.0%	$218.3B-0.8%	$220.1B+1.2%	$217.5B-1.0%	$219.7B-0.1%	$219.9B-0.2%	$220.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$12.7B+9.2%	$11.7B+36.3%	$8.5B-25.9%	$11.5B+8.9%	$10.6B-2.9%	$10.9B-7.3%	$11.8B+1.5%	$11.6B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$8.2B0.0%	$8.2B0.0%	$8.2B0.0%	$8.2B0.0%	$8.2B0.0%	$8.2B0.0%	$8.2B0.0%	$8.2B
Total Liabilities	$200.0B+1.6%	$196.9B+2.0%	$193.1B-1.1%	$195.3B+1.0%	$193.3B-0.8%	$194.8B-0.7%	$196.1B-0.3%	$196.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$11.2B+7.5%	$10.4B-16.6%	$12.5B+2.1%	$12.3B-1.1%	$12.4B-11.1%	$13.9B+6.6%	$13.1B-5.2%	$13.8B
Total Equity	$26.3B+1.9%	$25.8B+2.4%	$25.2B+1.5%	$24.9B+2.5%	$24.3B-2.7%	$24.9B+4.5%	$23.9B+0.5%	$23.8B
Retained Earnings	$11.3B+2.6%	$11.1B+2.5%	$10.8B+2.1%	$10.6B+1.5%	$10.4B+1.7%	$10.2B+1.5%	$10.1B+1.6%	$9.9B

CFG Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$2K-100.0%	$2.0B-32.4%	$3.0B-28.1%	$4.1B+81.1%	$2.3B+1949.5%	$111.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$6K-100.0%	$3.0B-43.1%	$5.2B+141.5%	-$12.6B-20.5%	-$10.5B-70.9%	-$6.1B
Financing Cash Flow	$6K+100.0%	-$6.0B+15.6%	-$7.1B-171.9%	$9.9B+113.7%	$4.6B-69.8%	$15.4B
Dividends Paid	$755-100.0%	$769.0M-4.8%	$808.0M+3.7%	$779.0M+16.3%	$670.0M-0.3%	$672.0M
Share Buybacks	$600-100.0%	$1.1B+15.9%	$906.0M+492.2%	$153.0M-48.1%	$295.0M+9.3%	$270.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	-$158.0M-109.3%	$1.7B+91.4%	$886.0M+516.0%	-$213.0M-144.1%	$483.0M+271.5%	$130.0M-84.4%	$834.0M+50.5%	$554.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$1.9B-29.2%	-$1.5B-4.8%	-$1.4B-28.9%	-$1.1B-168.9%	$1.6B+898.8%	$161.0M-10.1%	$179.0M-82.8%	$1.0B
Financing Cash Flow	$3.2B+9.2%	$2.9B+218.4%	-$2.5B-208.4%	$2.3B+194.0%	-$2.4B-109.7%	-$1.1B-36.4%	-$841.0M+48.2%	-$1.6B
Dividends Paid	$200.0M+8.7%	$184.0M-0.5%	$185.0M-0.5%	$186.0M-75.8%	$769.0M+304.7%	$190.0M-2.1%	$194.0M-1.5%	$197.0M
Share Buybacks	$125.0M+66.7%	$75.0M-62.5%	$200.0M0.0%	$200.0M-11.1%	$225.0M-30.8%	$325.0M+62.5%	$200.0M-33.3%	$300.0M

CFG Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	29.4%+10.1pp	19.3%-0.2pp	19.6%-6.3pp	25.8%-9.0pp	34.9%+19.6pp	15.3%
Return on Equity	7.0%+0.7pp	6.2%-0.4pp	6.6%-2.1pp	8.8%-1.2pp	9.9%+5.2pp	4.7%
Return on Assets	0.8%+0.1pp	0.7%-0.0pp	0.7%-0.2pp	0.9%-0.3pp	1.2%+0.7pp	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.43-0.1	0.51-0.0	0.55-0.1	0.67+0.4	0.30-0.1	0.37
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.5%+1.2pp	23.3%+1.9pp	21.4%+2.1pp	19.3%-0.9pp	20.2%+0.1pp	20.1%+0.1pp	20.0%+2.9pp	17.1%
Return on Equity	2.0%+0.1pp	1.9%+0.2pp	1.7%+0.2pp	1.5%-0.2pp	1.7%+0.1pp	1.5%-0.1pp	1.6%+0.2pp	1.4%
Return on Assets	0.2%0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%+0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.43+0.0	0.40-0.1	0.500.0	0.49-0.0	0.51-0.0	0.56+0.0	0.55-0.0	0.58
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Citizens Finl Group Inc's annual revenue?

Citizens Finl Group Inc (CFG) reported $6K in total revenue for fiscal year 2025. This represents a -100.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Citizens Finl Group Inc's revenue growing?

Citizens Finl Group Inc (CFG) revenue declined by 100% year-over-year, from $7.8B to $6K in fiscal year 2025.

Is Citizens Finl Group Inc profitable?

Yes, Citizens Finl Group Inc (CFG) reported a net income of $2K in fiscal year 2025, with a net profit margin of 29.4%.

What is Citizens Finl Group Inc's earnings per share (EPS)?

Citizens Finl Group Inc (CFG) reported diluted earnings per share of $3.86 for fiscal year 2025. This represents a 27.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

How much debt does Citizens Finl Group Inc have?

As of fiscal year 2025, Citizens Finl Group Inc (CFG) had $12.7B in cash and equivalents against $11K in long-term debt.

What is Citizens Finl Group Inc's net profit margin?

Citizens Finl Group Inc (CFG) had a net profit margin of 29.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Citizens Finl Group Inc pay dividends?

Yes, Citizens Finl Group Inc (CFG) paid $1.72 per share in dividends during fiscal year 2025.

What is Citizens Finl Group Inc's return on equity (ROE)?

Citizens Finl Group Inc (CFG) has a return on equity of 7.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Citizens Finl Group Inc's operating cash flow?

Citizens Finl Group Inc (CFG) generated $2K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Citizens Finl Group Inc's total assets?

Citizens Finl Group Inc (CFG) had $226K in total assets as of fiscal year 2025, including both current and long-term assets.

Does Citizens Finl Group Inc buy back shares?

Yes, Citizens Finl Group Inc (CFG) spent $600 on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Citizens Finl Group Inc have outstanding?

Citizens Finl Group Inc (CFG) had 425M shares outstanding as of fiscal year 2025.

What is Citizens Finl Group Inc's debt-to-equity ratio?

Citizens Finl Group Inc (CFG) had a debt-to-equity ratio of 0.43 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Citizens Finl Group Inc's return on assets (ROA)?

Citizens Finl Group Inc (CFG) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Citizens Finl Group Inc's Piotroski F-Score?

Citizens Finl Group Inc (CFG) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Citizens Finl Group Inc's earnings high quality?

Citizens Finl Group Inc (CFG) has an earnings quality ratio of 1.21x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.